Welcome to the latest episode of Make Money Count! When Trump and Carney met, everyone expected drama. Instead, we got smiles and silence — which in today’s economic climate, surprisingly counts as a win. But if the headlines were quiet, what does that mean for your mortgage strategy?

Episode Highlights

The Meeting: Optics Over Outcomes

Carney showed up, kept the peace, and avoided new tariffs. No deals were signed, but Canada didn’t get hit harder either. In this market, is “nothing happened” actually a strategic win?

Canada’s Position: Playing Defense

Trump made it clear — we’re allies, but competing for the same investment dollars. With housing slowing and construction cooling, Canada doesn’t have a backup economic engine. If trade uncertainty lingers, how long can we keep pretending confidence hasn’t already slipped?

Bond Yields Are Dropping — Quietly

While cameras were focused on the handshake, bond yields kept falling in the background. At the same time, Bank of Canada’s Rhys Mendes hinted at removing mortgage interest from CPI, which could open the door for faster rate cuts. If policy shifts before the public even notices, will homeowners be ready?

Fixed vs Variable: Timing is Everything

As bond yields fall, penalties to break fixed mortgages rise, and variable discounts are already shrinking. Most people wait for an official rate announcement — but by then, will the opportunity already be priced in?

The Smart Move Now

If your mortgage rate starts with a 5, running the numbers now might reveal savings you’re not expecting. Breaking early isn’t emotional — it’s math. But if you wait until everyone else reacts, will the math still work in your favor?

Cannect Insight: Don’t React After the Market Moves

Rate changes don’t happen with fanfare — they slip in through bond markets and lender pricing models. By the time it’s news, it’s too late to win. Before rates shift again, are you ready to find out what your actual numbers look like?

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